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Old Sep 9, 19, 2:31 pm
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Join Date: Jan 2014
Location: San Diego, CA
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Originally Posted by soldja View Post
Mobile payments is a limited expense category, just like all cards offer points for limited expense categories (i.e., travel, dining, groceries, gas, etc.). It's probably not true for everyone, but I find I can earn more points on mobile payments as a category than any other category offered across all my cards. Almost all major retailers, drug stores, and grocery stores accept mobile payments. Even Costco accepts Apple Pay making AR generally the best earning card for Costco purchases.
I'm not sure it's all that limited anymore, at least from the perspective of merchants that accept it. Keeping it permanently 3x is also not completely out of the question (even with people using phones for the majority of their spend) given that the card's Visa Infinite. The card having a high AF and US Bank being touchy about use of the card for MS is likely what's keeping their costs under control more than anything else.
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